Disclosures:

Interest on Accounts (Checking and Savings)

You must maintain the daily minimum balances listed each day of the statement cycle to obtain the disclosed annual percentage yield. Interest rates are paid on the entire balance each day at the interest rate in effect for that balance tier. We use the daily balance method to calculate interest payments on your account. This method applies a daily periodic rate to principal balance in your account each day. Non-cash items (e.g. checks) you deposit into your account begin to earn Interest on the business day we receive credit. Your interest rate and annual percentage yield information may change. Fees could reduce earnings on your account. At our discretion, we may change the interest rate on your account at any time. For current annual percentage yield information, call us at 277-6500. For information on account fees, see the current Fee and Information Schedule .

Health Savings Account

Type

Interest Rate

APY

Less than $2,500

0.25%

0.25%

$2,500-$9,999

0.50%

0.50%

$10,000 and up

1.00%

1.00%

Savings

Type

Interest Rate

APY

Regular Statement Savings

0.05%

0.05%

S.O.S. - under $500

0.06%

0.06%

S.O.S. - ($500 and over)

0.10

0.10

MMGA Savings - ($100,000 and over)

0.14

0.14

MMGA Savings - ($40,000 - $99,000)

0.11

0.11

MMGA Savings - ($2,500 - $39,999)

0.08

0.08

MMGA Savings - ($2,499 & Below)

0.05

0.05

MMIA Commercial - ($2,500 min.)

0.05

0.05

MMGA Commercial - ($10,000 min.)

Changes Daily

Changes Daily

CDs

Minimum of $1000.

Type

Interest Rate

APY

91 Day

0.05%

0.05%

182 Day

0.05%

0.05%

8 Month

0.10%

0.10%

10 Month

0.10%

0.10%

1 Year

0.10%

0.10%

14 Month

0.10%

0.10%

18 Month

0.10%

0.10%

24 Month

0.10%

0.10%

30 Month***

0.15%

0.15%

4 Year

0.45%

0.45%

5 Year

0.99%

0.99%

CD PLUS**

Minimum of $1000.

Type

Interest Rate

APY

91 Day

0.10%

0.10%

182 Day

0.15%

0.15%

8 Month

0.20%

0.20%

10 Month

0.25%

0.25%

1 Year

0.30%

0.30%

14 Month

0.40%

0.40%

18 Month

0.45%

0.45%

24 Month

0.45%

0.45%

30 Month***

0.65%

0.65%

4 Year

0.95%

0.95%

5 Year****

1.49%*

1.50%*

Disclosures:

Certificate of Deposits

Automatically renewed CDs will default to the regular rate.

*Denotes a change.

**CD Plus Rate available to new or existing checking account customers.

***30 Month CD to be offered at SNB-Iowa and SNB-South Dakota. Step-up option after 15 months (one time rate increase as of date of customer's request) 1/2 of Principal may be withdrawn without penalty after 15 months. Any subsequent withdrawals subject to penalty. Renewable-step up and no penalty on 1/2 withdrawal after 15 months during initial term only.

****5 Year FLEX CD to be offered at SNB-Iowa and SNB-South Dakota. Initial Term Only - One rate modification allowed during the first year and one rate modification allowed during the last year. The rate modification or rate increase will be equal to the Bank's current 5 Year offer rate as of the date of the customer's request. $1,000 minimum deposit required. Excludes Individual Retirement Accounts. Early withdrawals subject to penalty. For consumer customers only. CD plus rate available to new or existing checking account customers. Limited time offer.

Penalties for Early Withdrawal:

Term Penalty

91 day or less The greater of 7 days interest or the accrued interest

92 day to 1 year 91 days interest

Over 1 year 182 days interest

Individual Retirement Accounts (IRAs)

Type

Interest Rate

APY

Variable Rate

0.45%

0.45%

Fixed Rate

Same terms & Rates Apply as CDs

Same Terms & Rates Apply as CDs

Disclosures:

Rates may change after account is opened. Effective through calendar quarter.

When it comes to rates, you'll find that Security National bank is very competitive.

Eligibility for preferred rates is determined by many factors including credit rating, how often you have sought credit, how much and what other types of credit you have available, and how it has been used. We will also consider income level and banking relationships. No single factor will dictate the rate, but rather all the factors together will determine whether you will qualify for the preferred rate.